Well, I don't normally believe in regulating prices, in any kind; I believe in markets determining prices. But we have a situation here where we don't have a totally free market. There is imperfect competition. We have a standard charge across all banks, so there's no price discrimination among the banks.
We also have a system where some consumers have limited choice. Again, I emphasize seniors, students, people in rural areas--and some professors in Kingston who have less choice than they used to have.
So I would argue that those two elements, the lack of perfect competition and the lack of consumer choice on the part of many people, would suggest, if not regulation of prices, at least some intervention in the form of suasion to banks.